Also known as: Funding Circle
Funding Circle Ltd is a UK SME lending platform that provides loans to small and medium-sized businesses. It originally operated as a peer-to-peer lending marketplace where individual investors could fund small business loans. The company has since shifted to a direct lending model.
Funding Circle provides term loans for businesses for purposes such as growth, working capital, equipment purchase, and refinancing. Loan applications are made online and decisions are typically quick. The company operates in the UK and internationally.
Funding Circle is aimed at established small businesses with a trading history. It does not typically lend to start-ups or sole traders without a business track record.
Funding Circle participated in the government-backed Bounce Back Loan Scheme (BBLS) and Coronavirus Business Interruption Loan Scheme (CBILS) during the Covid-19 pandemic, distributing a large number of government-guaranteed loans to small businesses.
If you have a Funding Circle business loan and need to contact them, details are available on their website at fundingcircle.com/uk. Funding Circle Ltd is authorised and regulated by the Financial Conduct Authority.
If you are a business struggling with Funding Circle repayments, contact them directly. Free business debt advice is available from Business Debtline on 0800 197 6026. Funding Circle operates in a highly regulated environment and all loans are subject to affordability assessment. However, as with any business borrowing, it is important to make sure the loan is sustainable for your business before committing. If your business is struggling to meet repayments on a Funding Circle loan, contact them to discuss your options. Business Debtline on 0800 197 6026 provides free advice specifically to sole traders and small businesses in financial difficulty. If you personally guaranteed a business loan, your personal finances may also be affected, and a free personal debt adviser at StepChange or National Debtline can help you understand your position.
Quick summary
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These are general questions that may be relevant to your situation. They are not personalised advice.
Always use contact details from Funding Circle Ltd’s official website ↗ or the FCA Register — not from unexpected letters or messages.
Main products and services
SME business loans (up to £750,000), formerly peer-to-peer marketplace now direct lending model. Products include term loans and government-backed lending (previously CBILS/Recovery Loan Scheme).
Trading names and group notes
Funding Circle Holdings PLC (CH 07123934) is the listed parent. Funding Circle Trustee Limited (CH 07239092) and Funding Circle Property Finance Limited (CH 08896582) are related entities. Operations span the UK and internationally.Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.
Trustpilot
4.6
Approx. 16,600–16,800 (as of mid-2026) reviews
Other review sources
Reviewed on NerdWallet UK, Expertsure, 4thWay (investor reviews)
Overall public sentiment
Strong positive ratings among borrowers: speed, easy online process and helpful support praised. Common negatives: pricing/fees higher than expected, frustration when applications stall post-eligibility check. Investor reviews historically mixed post P2P wind-down.
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Source URLs used in preparing this record
Date checked
2026-06-05
Next review due
Periodic review
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